FDIC Certificate #: 15779 Status: Active Federal Reserve ID: 574949 Bank Holding Company (Regulatory Top Holder): Kujawa Family Holdings, Inc. (RSSDID: 3444203, Location: Berlin, WI) Date Established: December 02, 1940 WWW:http://www.fmberlin.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10026 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 02, 1940 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 123 W Huron Street, Berlin, WI 54923 County: Green Lake Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Madison Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $182.7 mil Equity capital: $21.1 mil Deposits held in domestic offices: $154.5 mil Return on assets (ROA): 0.91% ($1.7 mil) Quarterly return on assets: -1.10% (-$2.0 mil) Return on Equity (ROE): 7.87% ($1.7 mil) Quarterly return on equity: -9.45% (-$2.0 mil) Net income: $1.6 mil Quarterly Net income: -$0.5 mil Pretax return on assets: 1.35% ($2,466.2 mil) Quarterly Pretax return on assets: -1.70% (-$3,105.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
42Total employees (full-time equivalent)
$182,680Total assets
$11,208Cash and due from depository institutions
$6,062Interest-bearing balances
$18,541Securities
$1,546Federal funds sold & reverse repurchase agreements
$141,876Net loans & leases
$2,080Loan loss allowance
$0Trading account assets
$3,451Bank premises and fixed assets
$109Other real estate owned
$0Goodwill and other intangibles
$182,680Life insurance assets
$5,949All other assets
$161,629Total liabilities and capital
$154,459Total liabilities
$133,277Total deposits
$154,459Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,135Trading liabilities
$0Other borrowed funds
$1,035Subordinated debt
$21,051All other liabilities
$21,051Total equity capital
$21,051Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,776Surplus
$19,125Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,652Income earned, not collected on loans
$0Earning assets
$1,132Long-term assets (5+ years)
$168,025Average Assets, year-to-date
$12,447Average Assets, quarterly
$177,784Volatile liabilities
$183,078Insider loans
$143,648FHLB advances
$181,992Loans and leases held for sale
$3,441Unused loan commitments
$3,441Tier 1 (core) risk-based capital
$20,179Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,715Restructured Loans and leases
$5,262Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$11,409Total interest income
$1,955Total interest expense
$9,454Net interest income
$951Provision for loan and lease losses
$1,278Total noninterest income
$0Fiduciary activities
$636Service charges on deposit accounts
$0Trading account gains & fees
$642Additional noninterest income
$7,378Total noninterest expense
$4,537Salaries and employee benefits
$1,090Premises and equipment expense
$1,751Additional noninterest expense
$2,403Pre-tax net operating income
$0Securities gains (losses)
$790Applicable income taxes
$1,613Income before extraordinary items
$0Extraordinary gains - net
$1,613Net income attributable to bank
$0Net charge-offs
$1,613Cash dividends
$755Sale, conversion, retirement of capital stock, net
$217Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.91%Yield on earning assets
1.18%Cost of funding earning assets
5.72%Net interest margin
0.77%Noninterest income to earning assets
4.47%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
1.35%Pretax return on assets
7.87%Return on equity (ROE)
6.81%Retained earnings to average equity (YTD only)
0.54%Net charge-offs to loans
125.96%Credit loss provision to net charge-offs
4.44%Efficiency ratio
68,748Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.45%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
125.91%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
1.15%Net loans and leases to deposits
91.85%Net loans and leases to core deposits
117.45%Equity capital to assets
11.52%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
14.05%Total risk-based capital ratio
Memoranda
$15Average assets
$177,784Average earning assets
$20,499Average equity
$165,141Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10026
The Farmers & Merchants Bank
123 W Huron Street, Berlin, WI 54923
December 02, 1940
Full Service Brick and Mortar
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